Chapter 1052 Interbank Competition
At present, Geran Group is a material company, a robotics company, or an artificial intelligence company.
The technologies that these enterprises put into commercial applications are all D-layer technologies from the layered cities supplied by Xu Ran.
Maybe some have already upgraded to the C-layer stage to start upgrading and promoting, which is still very easy.
Because the heritage of the Geran Group is constantly growing.
With the accumulation of the original technologies, Xu Ran has been digging talents to fill the technology R&D team in the past two years, which has made the group's technology R&D projects always maintain a leading momentum.
In particular, the cutting-edge materials technologies in the cutting-edge materials industry have begun to exert a huge impact on the whole world.
Although the materials company still did not start to expand overseas business last year, but with the partners of the Geran Group, the two central enterprises have extended their tentacles to many foreign countries.
Of course, these are some cooperation reached at the national level, so the cutting-edge materials produced by the two central enterprises with technical authorization will naturally become a stepping stone.
Now, with the two powerful central enterprises in China to play the front station, share the world's attention on the head of the material company, have a strong influence, and also help the country enhance the competitiveness of international visibility, then Xu Ran will continue to open the development model of making a lot of money.
Of course, Xu Ran's current output of material technology to partners is D-layer technology, but his technology experimental center has completed the R&D accumulation of C-layer technology, which is still impossible for any scientific research institution to catch up.
However, Xu Ran does not plan to release this C-layer technology for the time being, because his next strategic plan is in the field of aerospace science and technology, and he wants to use this C-layer technology as a stepping stone.
Although the C-layer technology involves many project applications in the military field, which is also a strategic technical reserve, it is impossible for Xu Ran to take it out easily and once again attract the attention of those coveted people around the world.
This year will be a year of low-key and rapid development of Geran Group.
Xu Ran does not plan to toss other new technology projects and affairs this year, but only intends to consolidate the strength of the group's major companies and start to expand overseas markets.
Of course, this kind of thing naturally doesn't need Xu Ran to charge into battle.
Xu Ran has already placed the most suitable right-hand men in major companies, these cadres are very capable, and their management talents for the company are also top-notch, so naturally Xu Ran does not need to worry about too many things.
Therefore, in the case of no longer tossing like this, Xu Ran's usual things will be much less.
He will also have more time to do things that are in his hobbies.
……
In the afternoon, after Xu Ran stayed in the technical experiment center for two hours, he came to Tianhua Hotel.
Tianhua Hotel is now basically the reception unit designated by many companies related to Xu Ran, in addition to the province, the province has now opened a lot, the main customer base is the employees of several major groups.
The Wu family also took a step out of the pace of being trapped in Xia Province for many years through the branches of the Geran Group all over the country, and began to expand the chain hotel business nationwide.
This is also one of Xu Ran's rewards to the Wu family, after all, the Wu family helped Xu Ran a lot at the beginning.
There is a presidential suite in the Tianhua Hotel, which is a suite reserved by the Tianhua Hotel for Xu Ran all the year round to receive customers.
Today, there are a few big guys in this suite.
These bigwigs are all important figures in the domestic financial industry who want to make the financial industry tremble a few times when they stomp their feet.
Xu Ran has been cooperating with the commercial bank on the Xia Cheng side, and the financial services and other businesses of the entire group in Xia Cheng are handed over to the commercial bank.
It is Xu Ran's personal property, which is also entrusted to the business bank to take care of, which is the reason why Yu Shengwei maintains Xu Ran's connection.
Other joint-stock banks in China also have two cooperative units, namely China Merchants and Credit Industry.
As for the more wealthy banks in China, there are also two here today, namely the two major banks of industry and commerce and agriculture.
This time, these banks are all CEOs, and they will renew the cooperation with Xu Ran to renew the financial business dealings of the Geran Group to expand its business at home and abroad.
Geran Group is now a high-tech enterprise with a market value of hundreds of billions, according to previous years, both investment and capital flow are very huge, several major banks have cooperated, basically in the way of pork distribution in the strong field of cooperation between banks.
But this year is different.
After Xu Ran customized the group's development strategy at the beginning of this year, some changes have taken place in the industries and fields involved, which will definitely affect the development of several major cooperative banks.
After several major banks understand and analyze the new strategic decision of the Geran Group, they will also adjust their business cooperation model for the Geran Group.
Of course, there will be a lot of competition between these big banks.
In order to express the importance of this cooperation, all the bigwigs who came this time were at the vice president level.
Needless to say, this is also the network of contacts established by Xu Ran, and those partners with good relationships took the initiative to hang up, which also increased Xu Ran's wider contacts.
Anyway, this world is like this, the relationship between rich people and banks is that you have me, I have you, and it is very close.
Xu Ran has hundreds of billions of huge funds in his hands, and even he still has tens of billions of loan businesses in several major banks, but this loan cannot satisfy them at all, and several major banks hope that Xu Ran can borrow more, preferably hundreds of billions.
In fact, this is the case, Xu Ran has money and doesn't need to take out loans at all, but in order to maintain the relationship, the bank will also beg you to borrow more, and even give you very low or interest-free interest, which is completely opposite to the situation that usually wants to take out a loan, but the bank doesn't bird you, everything is for the rich.
The most important thing is that several major companies under the Geran Group are all very high-quality high-tech enterprises, and the annual sales and profits can make the banks blush, and the corporate reputation is very good, and the banks are naturally more willing to cooperate with such enterprises.
When Xu Ran entered the presidential suite, several bigwigs got up one after another to greet him.
After shaking hands with the bigwigs one by one and joking a few words by the way, everyone sat down.
As for the senior managers and assistants behind the bigwigs, they began to get busy at this time.
Xu Ran brought a large team of paralegals this time, led by Li Xinling, as well as legal representatives and financial representatives from several major companies.
Last time at the annual meeting, Xu Ran did not talk much about the representatives sent by these banks, and did not discuss the major core businesses involved with them in detail.
After all, the time was limited at that time, and Xu Ran had to rush to attend the annual meeting, so after explaining some things to the representatives of several major banks, he went back to prepare.
This time, the bigwigs of several major banks came in person, and they must have communicated and negotiated the cooperation matters in detail.
However, when Xu Ran came, he explained to Li Xinling, the legal and financial staff, and they also knew which bank he preferred to reach.
Therefore, in terms of detailed conversations, it is impossible for Xu Ran to negotiate with several bigwigs in person, and they are all handed over to his subordinates to do detailed negotiations.
And these bigwigs are sitting together and chatting about something else, and they will also talk about the wind and snow, or go to drink tea and the like, which seems very relaxed and leisurely.
However, when the people at the bottom talked about the places they valued and came to report, the atmosphere of the bigwigs was no longer so harmonious, but there was already a taste of competition.
This competition is also a competition between several major banks, they all want to take a little more of the financial business cooperation of the Geran Group, and at the same time, it is also divided into domestic business and foreign business.
The focus of foreign business is mainly in the competition between the two major banks of industry and commerce and agriculture, and they know that this year the Geran Group will enter the international market in a big way under the leadership of the state, so they should follow closely to conquer the city, and they naturally attach great importance to this aspect.
Some of the domestic business adjustments are mainly due to the fierce competition between investment promotion and commercial banks.
Last year, with the personal relationship between Yu Shengwei and Xu Ran, the commercial bank won a lot of share, which also doubled the pace of development of the commercial bank, and tasted a great sweetness, and they want to go further this year.
It's just that the plan given by China Merchants Bank is more affordable and more courageous, so after the financial officer of Geran Group has a tendency to focus on it, it makes the commercial side anxious, and changes some of the terms on the spot, which is the same as that of China Merchants Bank.
China Merchants Bank may also have hole cards.
When they saw that the commercial industry was following them, they simply released another killer weapon and gave a stronger preferential policy, and the commercial bank was a little unable to parry, and the smell of gunpowder between the two sides became stronger and stronger.
In fact, Xu Ran has long explained to the people below that the share of cooperation with commercial banks has decreased slightly this year, and he prefers the several preferential projects given by China Merchants Bank.
The main reason is that last year, Peng Ya and Xu Ran were not very satisfied with the capital operation of Xu Ran's overseas investment company on the acquisition of Jingdong shares, and the expected fund transfer was four hours late.
You must know that in terms of capital operation in the stock market, time is money, and the foreign bank partners on the commercial bank side were four hours late, which almost made Peng Ya and Luya scramble and spoil the big thing.
At that time, it was Lua who relied on her acquaintance to contact a friend of China Merchants Bank who was engaged in overseas financial business, and after contacting a senior executive in Standard Chartered Bank through that friend, she successfully transferred funds in place and won the Jingdong shares transferred out by Yuhe Investment in one fell swoop.
Therefore, in terms of business adjustment this year, because the overseas relationship of commercial banks is not as strong and strong as China Merchants Bank, Xu Ran will definitely prefer China Merchants Bank if they want overseas financial investment cooperation.
Xu Ran revealed this matter to Yu Shengwei at the end of November last year after Peng Ya and Yi Qingling completed the integration of Jingdong shares.
After Yu Shengwei heard about this at the time, he was also very helpless, their overseas channels were indeed not wide enough, and they did not provide strong support to Xu Ran's side in time in that matter, and they were really embarrassed.
At that time, Xu Ran mentioned to Yu Shengwei this year's business adjustment, if Geran Group wants to expand abroad, it must rely on more hard and broad overseas investment bank cooperation, and the commercial bank is weaker, so don't blame Xu Ran for not handing over the business to their channels.
Yu Shengwei still attaches more importance to the personal relationship with Xu Ran, he said that this matter will be reported to the chairman, if it cannot be used to help the overseas business expansion of Geran Group, then they will take the initiative to reduce the share.
In fact, because of Yu Shengwei's relationship, the commercial bank has more than a month to prepare than China Merchants Bank, but the plan they finally gave is still not as good as China Merchants Bank, so don't blame Xu Ran for taking care of them anymore.
Besides, Xu Ran owed them a favor last year, and he will definitely have to pay it back this year.
So there was no more thought about this matter, and when the smell of gunpowder between the China Merchants Bank and the commercial bank was strong, Xu Ran personally came forward to talk to the two bigwigs about the matter briefly, and at the same time told the two of them the decision, and also determined the matter.
China Merchants Bank was taken care of this time, and the big guy was very happy.
But the share of the commercial bank was reduced by Xu Ran, and they couldn't help it, who made them not give their strength last year, and did not satisfy Xu Ran, a super customer, and the plan they came up with was completely compared by China Merchants Bank, and the competitiveness dropped greatly, and Xu Ran could not harm his own interests to protect them.
If it weren't for Xu Ran seeing Yu Shengwei's face, their share would have dropped even more this year, this is already the result of Xu Ran taking care of their face, what else is there to be dissatisfied with.
Therefore, after Xu Ran personally came forward to deal with the competition between the two major banks, there was not so much gunpowder between the industrial and commercial banks and the Agricultural Bank of China.
After the coordination of the three banks, the two major banks basically divided the share given by the Geran Group.
Therefore, after the details were discussed on this basis, the subordinates of the bigwigs also drafted the contract plan for the bigwigs to see.
After seeing that there was no problem, Xu Ran's bigwigs officially signed the contract.
The contract was signed, and everyone was happy.
Xu Ran saw that the time was already five o'clock in the afternoon, so he said that he wanted to invite a guest to sit in the east, and invited a few bigwigs to the crape myrtle feast to eat.
Of course, after the bigwigs leave the presidential suite, they don't go to dinner right away.
After they return to their respective rooms, they will make a report to the bank on the results of today's negotiations and the signing of the contract, so that the people below can carry out their work.
In the room, Xu Ran asked the assistants to sort out the contracts, and then drafted an official document issued by the group, which was sent to the major companies under the group, so that the presidents and financial officers could make arrangements as soon as possible.
After doing these things, Xu Ran took the lead in going out.
After Xu Xi made a decision in Xu Ran, she called in advance to book the best banquet house for Ziwei Feast.
After Xu Ran arrived at the crape myrtle feast on his front feet, other bigwigs also arrived one after another.
The next thing was, of course, the boring things of eating, drinking, and merrymaking, until about half past ten in the evening, when everyone broke up.
After Xu Ran returned to the manor, he went into the basement as soon as possible. Take a look at the latest chapter of "Fragment City Claw Book House" to read it for free for the first time.